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美国养老保障第二支柱包括缴费确定制的DC计划和待遇确定制的DB计划。前者包括雇主发起式DC计划(含401k计划、403b计划、457计划和TSP计划,即面向联邦雇员的退休储蓄计划),后者包括政府DB计划、私人DB计划。401K计划在二支柱中规模最大,源自美国1978年《国内税收法案》第401(k)节,允许雇员将一部分税前工资存入一个储蓄...
在处理这些债务之前,至少要预留6个月的生活费/应急资金(emergency fund)以备不时之需。如果发生不可预期的情况,譬如换工作或遇到汽车故障大修。《福布斯》的裁员追踪数据显示,2023年美国企业界裁员超过30.5万人。根据Layoffs.fyi网站汇编的数据,截至2024年1月26日,...
9、年金产品以资金安全、收益稳健等优势,便于财富规划,越来越成为在美华人个人/家庭资产配置不可或缺的组成部分。 10、美国的保险公司比银行更可靠,美国政府对保险公司的监督比对银行要严格,政府监管机构要求所有的保险公司必须参加再保险(re-insurance),用...
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GitHub Sponsors Fund open source developers The ReadME Project GitHub community articles Repositories Topics Trending Collections Enterprise Enterprise platform AI-powered developer platform Available add-ons Advanced Security Enterprise-grade security features GitHub Copilot Enterprise-grade AI features...
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This study was supported by grants from the Belgian National Fund for Scientific Research (FNRS). The authors would like to thank Aurélie Daumerie and Michele de Beukelaer from the 2IP imaging platform of UCLouvain for the technical assistance and realization of IHC stainings, as well as Marc...
Funding: This research was funded by the Beijing Municipal Natural Science Foundation (Grant No. 2182028) and the Analytical and Measurements Fund of Beijing Normal University. Institutional Review Board Statement: Not applicable. Informed Consent Statement: Not applicable. Data Availability Statement: ...